Careers

The Commercial Loan Officer is responsible for developing, evaluating, and maintaining a commercial and agriculture loan and deposit portfolio, while increasing branch profitability through business development. The Commercial Loan Officer monitors and maintains their loan portfolio in accordance with bank policies and procedures. The Commercial Loan Officer fosters a cooperative working environment with loan support staff, operations, and retail branch employees by providing positive leadership.

KNOWLEDGE & EXPERIENCE REQUIREMENTS

• Preferred 5-7 years lending experience.
• 3 years of equivalent experience in a related field preferred.
• minimum 4-year college degree preferred.
• Ability to use computers and related software programs.
• Must have excellent reasoning ability and solid understanding of financial accounting and mathematics.
• Demonstrates ability to make decisions and manage others.
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals and the ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate cash flow, analyze risk, and understand the fundamentals of analyzing financial statements.
• Ability to prepare and explain trend, ratio and comparative statements.
• Ability to apply concepts of basic accounting, algebra and geometry.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

The Commercial Loan Officer is responsible for developing, evaluating, and maintaining a commercial and agriculture loan and deposit portfolio, while increasing branch profitability through business development. The Commercial Loan Officer monitors and maintains their loan portfolio in accordance with bank policies and procedures. The Commercial Loan Officer fosters a cooperative working environment with loan support staff, operations, and retail branch employees by providing positive leadership.

KNOWLEDGE & EXPERIENCE REQUIREMENTS

• Preferred 5-7 years lending experience.
• 3 years of equivalent experience in a related field preferred.
• minimum 4-year college degree preferred.
• Ability to use computers and related software programs.
• Must have excellent reasoning ability and solid understanding of financial accounting and mathematics.
• Demonstrates ability to make decisions and manage others.
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals and the ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate cash flow, analyze risk, and understand the fundamentals of analyzing financial statements.
• Ability to prepare and explain trend, ratio and comparative statements.
• Ability to apply concepts of basic accounting, algebra and geometry.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

The Credit Analyst serves the Bank by providing thorough credit and financial analysis of loan applications for new or renewed loans, lines of credit and loan servicing. The Credit Analyst works with the customers assigned Loan Officers and helps underwrite, suggests recommendations for loans, and assists in establishing appropriate loan terms to manage loan risks.
The Credit Analyst also participates in the ongoing design of processes to provide exceptional service, achieve satisfactory credit administration goals, and achieve targeted credit quality while providing adequate compensation for risk. The Credit Analyst works in accordance with bank policies and procedures. The Credit Analyst fosters a cooperative working environment with all lenders in the region by providing timely analysis of loans.

Knowledge & Experience Preferred
• 4-year college degree preferred or three years of equivalent experience in a related field.
• Ability to use computer and related software.
• Must have excellent reasoning ability and solid understanding of financial accounting and mathematics.
• Demonstrated ability to make decisions and manage others.
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals and the ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate cash flow, analyze risk, and understand the fundamentals of analyzing financial statements.
• Ability to prepare and explain trend, ratio, and comparative statements.
• Ability to apply concepts of basic accounting, algebra and geometry.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Ability to manage multiple projects simultaneously.
• This position may require driving to various branch or client offices and attending meetings out of the office during and after office hours.